A method of processing toll payments for a motorist having a wireless communications device and a billing account, via a wireless communications network. The method includes sensing that the motorist is within range of a base station for a toll plaza having a given toll that is to be paid by the motorist; determining via a mobile switching center whether the motorist has activated a wireless toll payment service associated with the communication device; evaluating via the mobile switching center whether the subscriber has pre-selected a combined billing option for the account, where it has been determined that the service has been activated by the subscriber; sending a charge transaction from the mobile switching center to a toll payment system, where the motorist has not selected the combined billing option, the charge transaction indicating that the toll has not been paid by the motorist; and generating a billing record for the motorist at the mobile switching center and sending a non-charge transaction from the mobile switching center to a toll payment system, where the motorist has selected the combined billing option, the non-charge transaction indicating that the toll has been billed to the motorist by his/her wireless service provider.